AI Cash-Flow Forecast: know 90 days ahead
The most common cause of financial problems in small and medium businesses is not losses — it is poor payment timing. A company can be profitable and still have an empty account on payday.
The problem: cash-flow surprise
A classic scenario:
- You invoice customers with 60-day payment terms
- Suppliers require payment within 14 days
- In the office you have no clear picture of what will actually come in this month vs. what you need to pay
- You only find out when you see the bank statement — or when your banker calls
How Modulario AI forecasts cash-flow
The system analyzes every night:
Income side:
- Open invoices with due dates
- Historical payment discipline of each customer (do they pay on time? how many days late?)
- Recurring income (subscriptions, rental income)
- Seasonal patterns from previous years
Expense side:
- Unpaid supplier invoices
- Fixed costs (rent, utilities, SaaS subscriptions)
- Payroll (from HR module)
- Planned loan repayments
- Manually entered planned expenditures
Result: daily cash-flow outlook for 30, 60 and 90 days with color-coded critical days.
Early warning system: 3 weeks in advance
The system flags a critical day (projected balance below zero or below your defined reserve) and:
- Sends an alert by email to the responsible person
- Shows which customer invoices are expected and which are historically late
- Suggests specific actions: who to send an early reminder to, which expenses to defer
3 weeks is enough time to:
- Accelerate collections from slow payers
- Negotiate extended payment terms with a supplier
- Activate an overdraft facility if needed
Scenarios and what-if analysis
The financial manager can simulate scenarios:
- What if customer X pays 30 days later?
- What if we win a new contract worth €50,000?
- What if raw material costs rise by 10%?
The system recalculates the prediction instantly.
Who benefits most
- Manufacturing companies with long payment cycles
- Project-based companies (IT, construction, agencies) with milestone payments
- Trading companies with a large gap between issued and received invoice terms
- Seasonal businesses (tourism, agriculture, landscaping)
